BRIDS Drives Capital Market Literacy & Inclusion Through Investment Innovation
Jakarta, October 20, 2025 – The results of the National Survey on Financial Literacy and Inclusion (SNLIK) as of May 2025, conducted by the Financial Services Authority (OJK) in collaboration with the Central Bureau of Statistics (BPS), show that the capital market literacy rate in Indonesia has only reached 17.78%, while the capital market inclusion index stands at 1.34%. These figures remain relatively low compared to the national financial literacy and inclusion indices, which reached 65.43% and 75.02%, respectively—indicating ample room to strengthen public understanding and access to the capital market.
Meanwhile, data from PT Kustodian Sentral Efek Indonesia (KSEI) as of June 2025 recorded significant growth in the number of investors, with stock investors reaching 7.18 million, an increase of around 24% compared to the same period last year, and mutual fund investors reaching 16 million, growing by about 30%.
The low level of capital market literacy and inclusion, amid rapid growth in the number of investors, presents both a challenge and an opportunity for industry players to expand access and enhance public investment literacy. In response, market participants continue to deliver technology-based innovations to meet the needs of increasingly digital and data-driven retail investors.
One tangible example of this effort is demonstrated by PT BRI Danareksa Sekuritas (BRIDS), a subsidiary of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI), which received the Top Award at the IDX Channel Anugerah Inovasi Indonesia (ICAII) 2025, held at the Main Hall of the Indonesia Stock Exchange (IDX). The recognition was given for BRIDS’ innovations through its two flagship features — SmartInvest Reksadana and the Stock Recommendation Feature on its digital investment app BRIGHTS — designed to strengthen investment inclusion and accessibility in the capital market.
The SmartInvest Reksadana feature helps investors optimize idle funds in their customer fund accounts (RDN) automatically, enabling planned investments without manual transactions. Meanwhile, the Stock Recommendation Feature provides curated stock insights based on in-depth analysis and investment strategies, assisting investors in making more informed decisions according to their individual risk profiles.
Fifi Virgantria, Director of Retail & Information Technology at BRIDS, explained that digital innovation continues to evolve in response to the changing behavior of investors, who are now increasingly mobile and data-driven. “Today’s investors not only need a transaction platform but also relevant insights and convenience tailored to their needs. Therefore, digital innovation is key for BRIDS in strengthening financial inclusion and expanding public investment access,” she said.
Since its launch in early 2025, SmartInvest Reksadana has recorded assets under management (AUM) growth exceeding the annual work plan target of IDR 450 billion, reaching IDR 880 billion as of August 2025. At the same time, total transactions on the BRIGHTS application grew by more than 118% from January to September 2025. This achievement reflects a positive customer response to digital innovations that simplify mutual fund and stock investments within a single integrated platform.
“This achievement shows that digital innovation not only drives operational efficiency but also broadens public opportunities to invest intelligently and purposefully. Through an adaptive and sustainable approach, BRIDS remains committed to delivering inclusive investment solutions that support the growth of the national capital market ecosystem,” Fifi concluded.